SSH vs DiskAid/Explorer?

While I know this will come down to a matter of personal preference, is there any benefit to using one over the other? I've used WinSCP/CyberDuck to SSH as well as used iPhone Explorer. Probably due to my lack of experience, I've always had one issue or another with the SSH programs and never once with the iPhone Explorer. The Explorer, to me, is easy and pretty good for n00b's. All I'm doing is replacing icons, adding tones, etc.

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